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Online Installment Loans Instant Approval

Installment loans are suitable for all kinds of financial needs, and they can help you afford a wide array of expenses. Personal installment loans are commonly used for large purchases like buying a home or car. However, did you know installment loans online can also come in handy when you’re faced with financial emergencies? And when those emergencies come around, Viva Payday Loans can connect you with lenders who are most likely to approve your installment loan request. Best of all, our broker services are absolutely free of charge.

When you need quick cash that a payday loan offers but need extra time to pay back in installments over several months, payday installment loans are your best bet. In this ultimate installment loans guide, we’ll explore what installments loans are and how they work. You’ll get to know about the types of installment loans available through Viva Payday Loans, the features of installment loans, and their advantages and disadvantages.

You’ll also learn about the eligibility criteria to get installment loans at, the application process, and the frequently asked questions about installment loans.

Installment Loans Definition And How Do They Work?

Installment loans are personal loans where you borrow and get a fixed amount of money and pay regularly scheduled payments known as installments over a few months or years. In every installment payment, you pay back a portion of the principal amount you borrowed plus a percentage of the interest on the loan.

Different factors are used to determine the amount of each scheduled payment, including the loan amount, the interest rate you’ll be charged, and the term or length of the loan. The regularly scheduled payments, which are usually made monthly, often remain the same throughout the loan term.

Installment loans online offer more extended repayment periods compared to other types of loans. You can use installment personal loans to advance your education, home improvements, improve your credit score, pay down debt, pay for wedding expenses or simply take a long-needed vacation.

At Viva Payday Loans, lenders offer installment loans between $100 to $5,000 with repayment periods of between 2 to 24 months. After deciding on the loan amount you want to borrow, select a suitable monthly payment according to your budget and follow the simple steps to apply. You’ll then get a one-time lump sum payment deposited into your account on the same day or within 24 hours after approval.  Lenders that service Viva Payday Loans are very speedy and offer same-day payouts that can really come through for you when you need cash in a hurry.

After you’re funded, you’ll repay in fixed, regular installments every month with fixed interest rates between 5.99% and 35.99% over the chosen period until your installment loan is settled.

Types of Installment Loans

Installment loans can help you sort a wide array of financial needs and expenses, before we look at the different types of installment loans, let’s consider the definition.

Installment Loans Online

The world of online loans in America has undergone a digital revolution, and you no longer have to look for storefronts to borrow money. Viva Payday Loans allows you to borrow easy approval installment loans for bad credit from anywhere in the US.

Our quick and easy-to-follow online application process connects you to the best lenders in America within minutes. The best part is it’s completely free! Say goodbye to tedious processes and apply for installment loans online at Heart Paydays between $100 and $5,000 at Viva Payday Loans.

Installment Loans Near Me

Your search for installment loans near me is over, thanks to Viva Payday Loans. Is there anything closer than the phone in your hand or your laptop? Through the Viva Payday Loans app or at, you can easily borrow installments loans from the comfort of your home.

Viva Payday Loans works with the best lenders in the country to bring you installment loans near me with the push of a button. You can borrow between $100 and $5,000 for all types of occasions, needs, and budgets with repayment periods between 2 to 24 months and interest rates ranging from 5.99% to 35.99%.

Online Installment Loans Instant Approval

You can get online installment loans instant approval at Viva Payday Loans. We guarantee feedback within two minutes of submitting the easy-to-fill online application form.

Say goodbye to waiting long hours to know your fate. If you’re eligible and meet the requirements, we guarantee instant approval from our lenders. Plus, they’re pretty speedy with their payouts. You can have money in your pocket on the same day you apply or within 24 hours at the latest.

Direct Lender Online Installment Loans Instant Approval

We feature direct lender online installment loans instant approval at Viva Payday Loans. We have a panel of the best and most reputable installment loans direct lenders in America, and we’ll connect you with them directly at no cost to you!

The easy online application process at Viva Payday Loans enables us to understand your needs and situation to connect you to the most suitable lender according to your circumstances. Instead of playing a game of trial and error, we guarantee to connect you to direct lender online installment loans instant approval, who will advance you a loan without breaking a sweat or spending a penny.

Guaranteed Installment Loans For Bad Credit No Credit Check

Even with a less-than-perfect credit score, you can still get installment loans for bad credit at Viva Payday Loans. Our lenders treat everyone as individuals, and they don’t reject anyone because of their past financial troubles.

We’ll freely match you to lenders who specialize in advancing guaranteed installment loans for bad credit no credit check. Plus, they’re easy to repay and will help improve your credit score as a bonus!

Guaranteed Installment Loans for Bad Credit

You can get guaranteed installment loans for bad credit at Viva Payday Loans. The only thing that matters is you’re eligible and can afford the loan amount you request based on your current cash flow and expenses.

If you’ve been denied a loan by other lenders simply because of bad credit history, then give Viva Payday Loans a chance. Regardless of why you have a bad credit score, we’ll match you to suitable lenders for easy approval installment loans for bad credit.

Personal Installment Loans

Personal installment loans are a form of installment credit, but unlike credit cards, you’ll receive a lump sum payment into your account. You’ll then have to make regular monthly repayments over the chosen period.

Whatever challenge you’re facing, from car and fridge repairs to home improvements, you’ll get amazing deals for personal installment loans among lenders at Viva Payday Loans. You’ll get a fixed interest rate between 5.99% and 35.99% at the time of borrowing, and you can borrow between $100 and $5,000 with 2 to 24 months to repay.

Installment Loans No Credit Check

At Viva Payday Loans, we welcome all eligible Americans regardless of their credit history. With guaranteed installment loans for bad credit no credit check, lenders will approve your application without a credit check. They’ll only consider your income and monthly expenses to determine affordability.

Installment loans no credit check usually feature small amounts between $100 and $2,000. They’re an excellent option if you don’t want lenders poking into your credit history or have a non-existent credit history.

Installment Loans For Federal Employees

Installment loans for federal employees are a great option if you work at any level of the government. Viva Payday Loans works with lenders who provide installment loans suited for the everyday American. Whether it’s a few bucks to get you to your next paycheck or something more substantial, installment loans for federal employees can help meet your needs.

You can borrow from $100 to $5,000 and repay in equal installments from 2 and 24 months with a fixed interest rate between 5.99% and 35.99%.

Installment Loans For Gig Workers

Getting installment loans or any kind of loan can be challenging if you’re in a non-traditional occupation. However, at Viva Payday Loans, we don’t judge or discriminate. Our lenders offer installment loans for gig workers with flexible repayments tailored to your payment schedule.

No matter what gigs you work in, you can borrow from $100 to $5,000 and comfortably repay in weekly, fortnightly, or monthly schedules.

Installment Loans Without Direct Deposit or Bank Account

As mentioned before, we welcome all Americans at Viva Payday Loans. Even without a bank, savings, or checking account, you can still get installment loans without direct deposit or installment loans without a bank account among our lenders. 

Unlike other lenders who require an active bank account, we’ll freely connect you to specialist lenders who only require a prepaid debit card! You can conveniently use it anywhere with a single swipe and borrow from $100 to $5,000 without a bank account.

Installment Loans With Savings Account

If you have a savings account with over three months of banking history, then you already meet one of the eligibility requirements for most lenders of installment loans with a savings account. You can get quickly approved for installment loans with a savings account as they make it easy for lenders to figure out your affordability.

You can borrow anything from $200 to $5,000 with a savings account and get a repayment period of 2 to 24 months with interest rates between 5.99% and 35.99%. 

Installment Loans With Low Rate Interest

Lenders at Viva Payday Loans offer installment loans with the most competitive interest rates in America. You can quickly get installment loans with low-rate interest among our vast pool of reputable lenders as each strives to remain competitive and outdo the competition.

The lowest rate you can be charged for installment loans is 5.99%, and it’s rare to get lenders charging the maximum 35.99% at Viva Payday Loans.

Installment Loans With Cosigner

You can also choose installment loans with a cosigner if you’ve found it challenging to get approved for a loan individually. A cosigner acts as your guarantor, and they can help you get easy approval installment loans for bad credit quickly.

A cosigner gives the lender some form of security because if you’re unable to repay the loan, then the cosigner agrees to repay on your behalf. Keep in mind that the cosigner has to have an excellent credit history and good financial standing.

Installment Loans With Monthly Payment

At Viva Payday Loans, most of our lenders offer online loans with monthly payments. This involves making scheduled payments or installments every month, which usually involve a fixed amount. The monthly payment covers a portion of the principal amount and the interest.

However, you’re allowed to choose a suitable repayment schedule according to your situation and include weekly or fortnightly schedules.

Installment Loans Ohio

Through Viva Payday Loans, you’ll get access to lenders in Ohio who offer online loans with monthly payments that comply with the state’s regulations. Our lenders are registered with the state, and you’ll get repayment periods that exceed 31 days (from 2 to 24 months). You’ll also not be charged interest rates that exceed 28% APR on the installment loans.

Installment Loans California

We also have an extensive pool of reputable lenders who offer installment loans in California that adhere to regulations. All Viva Payday loans lenders based in California are registered with the Department of Financial Protection and Innovation, and you’re guaranteed transparency and protection from any fraudulent action.

Installment Loans Las Vegas

Through Viva Payday Loans, you can also find lenders who offer installment loans Las Vegas in the heart of the world’s entertainment capital. You can quickly apply for installment loans through our online application process from anywhere in Las Vegas in a matter of minutes!

Simply download our Viva Payday Loans app or use our online service to choose the amount you need between $100 and $5,000, a repayment period between 2 to 24 months, and wait for approval within 2 minutes. All that’s left is to sign the agreement and get funded! It’s super easy.

Features of Best Installment Loans Online

Direct lender online installment loans instant approval come with the following features:

Affordable Loan Amounts

All installment loans at Viva Payday Loans can easily be tailored to suit your specific needs. The amount is flexible, and you can choose from $100 to $5,000 depending on what you need to borrow. It’s vital that you only borrow what you need and can repay to avoid penalties and stained credit histories.

Flexible and Longer Repayments Times

The time required to comfortably repay the loan can also be adjusted according to your schedule and lifestyle. Since you’ll be paying back in installments, you can get a more extended repayment period ranging from 2 to 24 months. When applying through, you can choose a suitable repayment schedule that fits your earnings. This makes it easier to repay your installment loans.

Instant Installment Loans

Most of the lenders we can refer you to at Viva Payday Loans strive to provide easy approval installment loans for bad credit speedy payouts once your loan request is approved. If you apply for an installment loan today, there are high chances you’ll have money in your account before the day is over or within 24 hours at the latest.

Installment Loans Trustworthy Lenders

Viva Payday Loans only collaborates with reputable and licensed US lenders. You should only borrow money online from trustworthy lenders to avoid getting scammed or caught off guard by hidden charges. We guarantee your safety when you borrow money through Viva Payday Loans.

You’ll only be connected to lenders who are reliable, trustworthy, and transparent. You’re also legally allowed and encouraged to perform your own due diligence on lenders before getting into a loan agreement. Look at their reviews and find out if they’re easy to reach by calling and asking questions.

Fees and Charges of Installment Loans

The last thing you’ll find among lenders at Viva Payday Loans is hidden fees or charges. While it’s normal for additional fees to crop up, all our lenders are transparent and offer reasonable costs and prices for loans. – these are detailed for your perusal in the loan agreement extended to you.  Some lenders can charge establishment fees to set up the loan. You should always ask about this fee as it often varies between lenders.

Other fees to look out for include early payment, overpayment, and late payment penalties. All lenders servicing Viva will clearly inform you of their expectations and conditions when entering a loan agreement.

Interest Rates of Installment Loans

When you apply for installment loans through Viva Payday Loans, we’ll connect you to lenders who offer reasonable interest rates. You can expect to be charged a rate that starts at 5.99% APR (Annual Percentage Rate) and doesn’t exceed 35.99% APR. You should keep in mind that lenders will charge different rates depending on your risk level.

Payday Loans vs. Installment Loans

When you compare payday loans vs. installment loans, you will discover that payday loans are quite different. Payday loans are usually short-term loans or cash advances that you repay with your next paycheck or on the day you get paid from any type of source. Payday loans often have a 7 to 30 days repayment period. In contrast, installment loans feature a more extended repayment period from 60 days to 24 months.

Payday loans are also repaid in one payment that covers the total amount plus interest. On the other hand, you’ll only repay portions of the principal amount and the interest on the loan in installment loans. This makes them easier to repay and more flexible to your earnings and lifestyle.

Examples of Installment Loans

Lender APR Loan Amount Min Credit Score
Oportun 27.74% – 35.95% %300-$10,000 None
OppLoans 99% – 160% $500 – $4,000 Not Specified
CashNetUSA 89% – 449% $300 – $3,500 Not Specified

Advantages and Disadvantages of Installment Loans

Advantages of Installment Loans 

Online Installment Loans Instant Approval

Viva Payday Loans allows you to quickly borrow money online. You can borrow online installment loans with the push of a button in our quick online application process.

All Credit Scores Welcome

We like to emphasize that we don’t discriminate against any American at Viva Payday Loans. We cater to borrowers with all kinds of credit scores for free! We quickly connect borrowers with credit scores ranging from bad to non-existent to suitable lenders. You can rest easy knowing your loan request will be considered regardless of your credit scores or history when applying through

Fast Approval

At Viva Payday Loans, you don’t have to worry about spending countless hours waiting for a decision or feedback on your loan request. You’ll get feedback on your request in a matter of minutes once you submit your application form. You’re also guaranteed a fast approval provided you meet the requirements and are eligible.

Access To Many Suitable Lenders

When you apply for guaranteed installment loans for bad credit no credit check via, you’ll get access to many reputable lenders in the US from our extensive panel of lenders. We ensure we match you with lenders with the highest likelihood of approving your request based on your urgency, financial situation, and needs. And the best part? It’s absolutely free!

Disadvantages of Installment Loans


The convenience of applying for and getting instant payday installment loans online comes at the price of higher interest rates. Such loans are often unsecured and pose a higher risk for lenders. Consequently, lenders will charge high-interest rates to mitigate risks associated with your profile.

Eligibility Criteria For Installment Loans

Different lenders will use their own criteria to assess you when you apply for installment payday loans. However, most lenders at Viva Payday Loans will require that;

  • You’re at least 18 years of age.
  • You’re an American permanent resident or citizen, have a valid social security number or long-term visa.
  • You have a regular income to repay the loan.
  • You have a valid bank account in your name.

Remember, every lender will consider you as an individual, and the decisions won’t always be the same among lenders. They can also consider other factors like your credit rating, salary, or income that flows into your account monthly, job, monthly expenses, and lifestyle.

Application Process for Installment Loans

Here’s how you can apply for guaranteed installment loans via in 4 easy steps;

Step 1: Have Your Verification Documents Ready

Every legitimate lender in the US will first need to confirm your details and information before they can give you a loan. When you gather them and have them ready when you apply, it can help expedite the processing and approval process. Documents you should have include;

  • Identification proof such as a driver’s license or passport
  • Proof of where you love or address, such as utility or tax bills
  • Proof of your current income you’ll use to repay the loan, such as a bank statement, 1099s, W-2s, or tax returns.

Step 2: Capture Your Details

The next step is to visit and capture your details in our easy-to-follow online application form. Remember to fill in your details accurately while avoiding any mistakes that can result in declines or rejections.

You’ll be required to select the loan amount you wish to borrow between $100 to $5,000, the repayment period for making the loan installments then fill in the following information;

  • Your personal details
  • Your financial details
  • Your monthly expenses

All information you share with us is protected and secure and will remain confidential. After you’ve read the terms, conditions, and privacy policy, click on the “Apply” button.

Step 3: Get Approved In A Few Minutes

Once you submit the filled-in application form, you should get feedback on your loan request within 90 minutes tops! Even with bad or non-existent credit scores, most borrowers are quickly matched with suitable lenders at Viva Payday Loans.

To ensure we don’t keep you waiting or in suspense, we quickly tell you whether your loan request has been rejected or approved.

Once you’re approved for online loans with monthly payments, Viva Payday Loans will quickly connect you to the 3rd party lender. Don’t be surprised if a lender reaches out to you at this point through a phone call or email so they can finalize the process. They’ll likely ask you to provide the verification documents before you can proceed. This is an excellent point to ask as many questions as you can about the loan. Inquire about the fees, charges, terms, and late or early payment penalties.

Step 4: Review The Loan Agreement, Sign It, And Get Funded

After the lender has verified your information and details, they’ll send you a loan agreement with a loan offer. Always read through loan contracts carefully before you sign. Pay close attention to;

  • Fees and charges.
  • The repayment schedule.
  • The terms and conditions.

After reading through the fine print and are happy with the terms of the agreement, e-sign it and return it to the lender, and that’s it! Depending on the lender, you should get the money transferred to your account within the same day or 24 hours at the latest.

FAQ’s About Installment Loans

Can I Apply For Installment Loans Online?

Yes. You can easily apply for all kinds of installment loans online at Viva Payday Loans makes it easy and convenient for you to borrow money online from anywhere you are in the US through a quick and easy online application process.

What Interest Rate Will I Pay For Installment Loans?

Installment loans generally have lower interest rates than other loan options because you get to repay over a more extended period. However, you should remember that the interest rate you’ll be charged will be influenced by different factors. These can include your credit score, loan amount, financial situation, income, and whether the loan is unsecured or secured.

Why Are My Installment Loans Applications Getting Declined?

Your installment loans applications may have been rejected or declined because of various reasons. You may have applied for a loan amount that the lenders think is too high for you to pay back. Such decisions are made by determining;

  • Your income stability.
  • Your ability to repay.
  • The amount you earn every month.
  • Outstanding debts.

Don’t be discouraged if your loan applications are constantly declined. There are a few ways to improve your chances of getting approved for installment loans. These include;

  • Reviewing your credit score for fraudulent activity or inaccuracies.
  • Double-check your application to ensure you haven’t made any mistakes.
  • Try to make smaller loan requests.
  • Try to reduce your monthly expenses and try again at another time.
  • Improve your credit score by paying down any outstanding debts.
  • Offer the lenders some kind of collateral.
  • Consider using a cosigner or guarantor.
  • Increase your monthly income.
  • Compare loan requirements among lenders.

What Should I Do If I Don’t Like The Loan Amount Offered?

When a lender offers you a loan amount or terms you don’t like, you can reject it and look for better alternatives. You’re under no obligation to accept loan offers from lenders at Viva Payday Loans.

Will I Pay For Applying For Installment Loans Through Viva Payday Loans?

No. Viva Payday Loans will connect you to suitable direct lender online installment loans instant approval free of charge, and you will not pay anything to use our services.

How Do I provide Proof Of Income When I’m Unemployed?

Various documents are accepted as proof of income at Viva Payday Loans. You don’t have to have a payslip to show that you get earnings in your account every month. You can use;

  • Bank statements for the past few months.
  • Your annual tax returns.
  • Official loss and profit statements.

What Should I Do If I’m Going To Miss My Installment Payment?

Failing to make your scheduled installment payments can negatively affect your credit rating, especially if it happens a few times. You could also face different penalties imposed by lenders, including late payment fees or dishonoured fees when direct debits fail. Once you realize that it may be impossible to make the scheduled payment, contact your lender to find a solution. Most lenders at Viva Payday Loans are understanding and can give you a better schedule that aligns with your earnings.

Can I Get Installment Loans At Viva Payday Loans If I was Bankrupt Before?

Provided that the bankruptcy has been discharged and you’ve been released from liability, then you can get a loan. However, this will depend on the lender. Some may accept your request, while others may reject it.

How Much Money Can I Borrow In Installment Loans?

At, you can borrow amounts of between $100 and $5,000 in installment loans.

Who Do I If I Have Questions On Online Loans with Monthly Payments ?

Once you have received your loan, the agreement is between you and the lender. Any inquiries about the loan should be directed to the lender directly.